What does Medicare Advantage (MA) offer?

Medicare Advantage (MA) plans, also known as Medicare Part C, are designed to provide an alternative way to receive the benefits included in Medicare Parts A (hospital insurance) and B (medical insurance). These plans are offered by private insurance companies that contract with Medicare to provide all the benefits of original Medicare, often including additional services.

By choosing a Medicare Advantage plan, beneficiaries gain both hospital and outpatient medical coverage under one plan, which can simplify their healthcare management. These plans typically also incorporate additional benefits not covered by original Medicare, such as vision, dental, and wellness programs, making them a comprehensive health insurance option for many seniors.

Standalone prescription drug coverage is typically offered separately through Medicare Part D but is not a defining feature of Medicare Advantage plans. While some MA plans may include prescription drug coverage, it is not guaranteed that all MA plans do; thus, it is essential for beneficiaries to review specific plan details. Outpatient treatments and hospital coverage are generally both encompassed in the MA plans, not limited to just one aspect of care.